Search found 898 matches

by bayview
Sun Apr 23, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 69
Views: 4749

Re: Single most important investing advice?

Save what you need to save. Spend what's left.

Not the reverse.
by bayview
Sun Apr 23, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Does Knowledge of Fellow Employees’ Retirement Contributions Encourage Greater Participation?
Replies: 13
Views: 1284

Re: Does Knowledge of Fellow Employees’ Retirement Contributions Encourage Greater Participation?

There is a company/organization that provides statistics on 401k plans. I don't remember who they are off the top of my head. The thing that has always struck me is the percentage of participants that contribute enough to get the full match is not as high as you would think. I don't remember the ex...
by bayview
Fri Apr 21, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 3987

Re: Article-Argument against Buffet and Bogle's International Advice

Yeah, I've never quite understood why "total markets" people would be satisfied with just the embedded international component of large U.S. companies, since that is not exactly representative of the total international market. It did feed into my decision to be only 40% international and...
by bayview
Tue Apr 18, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: How to evaluate your Personal Rate of Return?
Replies: 13
Views: 1378

Re: How to evaluate your Personal Rate of Return?

^I will say that individuals do not rebalance like fund managers, so maybe one could still improve. So, how do you recommend I find the delta and what can be done to improve it? Keep an investing diary and note your thoughts, emotions, reasoning, and comments about current events when you make tran...
by bayview
Tue Apr 18, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: Anybody purposely loading up on mortgage debt?
Replies: 107
Views: 9860

Re: Anybody purposely loading up on mortgage debt?

Wow, I wondered why a poll was showing up! :shock: :D

Quite a necro-bump. Welcome to the forums!
by bayview
Tue Apr 18, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 3987

Re: Article-Argument against Buffet and Bogle's International Advice

Yeah, I've never quite understood why "total markets" people would be satisfied with just the embedded international component of large U.S. companies, since that is not exactly representative of the total international market. It did feed into my decision to be only 40% international and...
by bayview
Tue Apr 18, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 121
Views: 6050

Re: Is there any reason a buy-and-hold investor would buy gold?

Exotic = Supermarkey? :?: That's the genius of the plan. Local supermarkets are full of spices from all sorts of different countries. In an apocalyptic scenario where global supply chains are cut, new supply of those spices will be very difficult to obtain. And yet people will undoubtedly value the...
by bayview
Tue Apr 18, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: H&R Block online - How to enter Vanguard Total Bond treasury interest?
Replies: 5
Views: 583

Re: H&R Block online - How to enter Vanguard Total Bond treasury interest?

I thought I had read that only individual Treasury bonds (notes, etc.) interest was exempt from state taxation, not interest from bond funds?? I would like to think that once our RMDs begin, interest from VFITX/VFIUX (Vanguard Intermediate-Term Treasuries) would be exempt, because it's our only bond...
by bayview
Tue Apr 18, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: everywhere we are encouraged to trade and to our detriment
Replies: 20
Views: 1907

Re: everywhere we are encouraged to trade and to our detriment

selftalk wrote:I was just thinking about progress in our "modern times." We as investors are encouraged to trade, trade, trade. The brokerage houses lowered commissions drastically from what they were years ago...

Lower still isn't free. I'd rather pay myself than someone else. :beer
by bayview
Tue Apr 18, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe : Integrated Investment Plan
Replies: 35
Views: 6356

Re: Larry Swedroe : Integrated Investment Plan

As I recall, he left the forums for a while several years ago for similar reasons. I hope he decides to come back. I value many of his contributions, while sometimes raising my eyebrows when things got heated. It takes all kinds in this world. If we're all of the same temperament, things get both du...
by bayview
Mon Apr 17, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 26640

Re: USAA 2.5% Cash Back Credit Card

VictoriaF wrote:
White Coat Investor wrote:Nope. Can't get it through the app either. I think USAA hates Utahns.

And Virginians.

Victoria

They seem to be fond of South Carolinians, but not North.

Good grief, they've been getting my paycheck via direct deposit for 15 years now. C'mon, guys.
by bayview
Sat Apr 15, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Where to go for free or low cost advice?
Replies: 23
Views: 1924

Re: Where to go for free or low cost advice?

Jane Bryant Quinn's latest book - she considers more than just retirement savings (e.g., Social Security, health insurance, life insurance, etc), it's pretty easy reading, she espouses indexed funds, and so on: https://www.amazon.com/Make-Your-Money-Last-Indispensable/dp/1476743770/ref=sr_1_1?ie=UT...
by bayview
Wed Apr 12, 2017 5:45 am
Forum: Investing - Theory, News & General
Topic: What % of People Invest in the Stock Market?
Replies: 29
Views: 4915

Re: What % of People Invest in the Stock Market?

http://i.imgur.com/b5gBCDu.png Great chart. It helps to ease concerns about a bubble. 65% immediately before the financial crisis, still 10 percentage points lower today. That's an interesting observation. My first thought was, "Look at all the people who got out in 2008-09 and never got back ...
by bayview
Sun Apr 09, 2017 5:06 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 178
Views: 26908

Re: Improving the TSP [for current participants]

Thanks for the research! That's how I remembered it.
by bayview
Sun Apr 09, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 178
Views: 26908

Re: Improving the TSP [for current participants]

Many thanks to both of you! :beer I need to go look up how the limitations on fund swaps work, but my (hazy) memory says that the first two count against you, no matter whether they are non-G to G or G to non-G. After that, you can only do non-G to G. I'll go dig that up. Not worried about being out...
by bayview
Sun Apr 09, 2017 7:10 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 178
Views: 26908

Re: Improving the TSP [for current participants]

I am waiting to see a modification that will allow one to pull withdrawals from various accounts per OUR decisions, rather than proportionately according to our existing AA. If stocks are down, I don't want to pull an RMD from them, no matter what my AA might be. And if stocks are doing well, I'd l...
by bayview
Fri Apr 07, 2017 7:32 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 178
Views: 26908

Re: Improving the TSP [for current participants]

I am waiting to see a modification that will allow one to pull withdrawals from various accounts per OUR decisions, rather than proportionately according to our existing AA. If stocks are down, I don't want to pull an RMD from them, no matter what my AA might be. And if stocks are doing well, I'd li...
by bayview
Tue Apr 04, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: How does one determine their "number" and what exactly does it mean?
Replies: 92
Views: 6781

Re: How does one determine their "number" and what exactly does it mean?

We worked out an expected budget in retirement years. Then we attempted to live on it. Then we revised it upward in light of our experiences. :) Throw in additional expected but irregularly occurring needs (new roof, new car, new furnace), wants (travel, home fancification, other splurges), and annu...
by bayview
Fri Mar 31, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: EE bonds vs F or G Fund vs Total Bond
Replies: 57
Views: 2931

Re: EE bonds vs F or G Fund vs Total Bond

The G Fund interest rate is currently 2.375%. It's typically around the yield of 8 year Treasuries, with zero credit risk and zero duration. EE bonds yield 3.524% after 20 years. But regardless, I don't think it's worth it to lock yourself into an investment for 20 years when you could earn 115 bp ...
by bayview
Mon Mar 27, 2017 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly Tax Payments Planning to Avoid Refund and Penalties
Replies: 22
Views: 1298

Re: Quarterly Tax Payments Planning to Avoid Refund and Penalties

Great point. I tend to forget about that option for increasing I-bond purchases (we aren't at that point yet.) what do I-bonds have to do with tax refunds? If someone is interested in buying I-bonds, they can do so with their federal income tax refund (you can buy up to $5,000 directly with your re...
by bayview
Sun Mar 26, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly Tax Payments Planning to Avoid Refund and Penalties
Replies: 22
Views: 1298

Re: Quarterly Tax Payments Planning to Avoid Refund and Penalties

You have too little faith in mankind :happy. I have done this many times when working w/ no problems. The key is understanding is that it is all in your hands not theirs. You don't instruct them to withhold a certain amount down to the dollar. You simply take your current "settings" on th...
by bayview
Fri Mar 24, 2017 5:35 am
Forum: Investing - Theory, News & General
Topic: TSP, G Fund and the Debt Ceiling
Replies: 8
Views: 1485

Re: TSP, G Fund and the Debt Ceiling

I will say that I'm less confident this time around, but we really can't take it any further, as the thread will wander into proposed (or propose to propose) legislation.

I'm looking at backups though. :(
by bayview
Mon Mar 20, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 178
Views: 26908

Re: Improving the TSP [for current participants]

I would like to keep my TSP at around 25/75 (the 75 in G) to keep a bit of growth going once I start RMDs. TSP's insistence on withdrawing proportionately among all funds means that I would be forced to sell C and S at a loss when stocks are down, just to do an RMD. This confounds all rules of commo...
by bayview
Mon Mar 20, 2017 5:48 am
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 6830

Re: It's worth remembering that bull markets don't last forever

The lesson is that you can't really know how to call it. So the best bet is to decide how much exposure you need and want and manage (re-balance) as necessary to deal with it. I have been re-balancing periodically back to my 40% target on the way up. I do the same on the way down again. I may go cr...
by bayview
Thu Mar 16, 2017 7:26 pm
Forum: Investing - Theory, News & General
Topic: TSP, G Fund and the Debt Ceiling
Replies: 8
Views: 1485

Re: TSP, G Fund and the Debt Ceiling

It has happened before, and it will happen again. The fund has always been made whole in the past.
by bayview
Thu Mar 16, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Astrid Menks Buffett's Asset Allocation
Replies: 7
Views: 952

Re: Astrid Menks Buffett's Asset Allocation

AA is irrelevant with a portfolio of this size. At any rate, it is irrelevant when compared with mine, which wouldn't qualify as a bug on the windshield on Warren Buffett's 2004 Chevy, or whatever he drives these days. :D The Treasuries are just the money that Mrs. Buffett will live off of. If anyth...
by bayview
Wed Mar 08, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 15284

Re: How Much in Your Emergency Fund And Is It Used?

A HELOC (or CC with cash advance) can be great while it's there, but don't think that your bank won't close it in a heartbeat when they get the jitters, despite your wonderful history and rock-solid financial status. It's kinda scary as a safety net IMO. Have multiple no-fee credit cards. You can a...
by bayview
Wed Mar 08, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 15284

Re: How Much in Your Emergency Fund And Is It Used?

Just a comment for those citing a HELOC as an emergency resource: I was active on a consumer credit forum when 2008 hit. A lot of members reported having their HELOC's cancelled/ closed, even when they were still employed and/or hadn't tried to access it. (And worse for those who did fall in those c...
by bayview
Mon Feb 27, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: Compounding under the microscope.
Replies: 89
Views: 6976

Re: Compounding under the microscope.

Here's the best: Tom Lehrer, "The New Math" (The song; not the animation, I just reviewed several on YouTube, didn't like the animations on any...) So maybe that's where my discomfort with percentages comes from. They're a bastion of base ten privilege. They are culturally insensitive to ...
by bayview
Wed Feb 15, 2017 7:01 am
Forum: Investing - Theory, News & General
Topic: Tsp contribution question (contribute bi-monthly)
Replies: 12
Views: 1131

Re: Tsp contribution question (contribute bi-monthly)

I contribute bi-monthly , each time I am payed to TSP, and the agency matches my contribution plus 1%. My only question is with my contributions bi-weekly. I contribute 5%, so I am good with that. To clarify, if you're contributing 5%, you have a 5% "match", meaning a 5% employer contribu...
by bayview
Sun Feb 12, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy to finance medical expense.
Replies: 8
Views: 720

Re: Strategy to finance medical expense.

If this is not covered by insurance, go to all the providers (hospital, physician, radiologist, pathologist, etc.) and ask what they would pay to a typical 3rd party payer, e.g. Blue Cross Blue Shield for this treatment. Then ask if they would accept that rate from you BEFORE hospitalization/ proced...
by bayview
Sun Feb 12, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Car Purchase and Roth Withdraw
Replies: 7
Views: 782

Re: Car Purchase and Roth Withdraw

The biggie here is that once you pull money from your Roth, it's gone forever. Yes, you can make new contributions, but since you are pulling more than $5500 (or $6000 for us geriatrics), you've lost $4000 or so forever. You can't get that space back. I've pulled money from a Roth before, and even t...
by bayview
Sun Feb 12, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 342
Views: 22226

Re: Why go with an 80% stock / 20% bond portfolio?

"Completely hosed" is an overstatement of what I wrote. I was simply noting that despite what ought to be true, we are not all completely able to shift professions without at least a temporary downgrade in rank and pay. And IMO this should be taken into consideration when looking at risk ...
by bayview
Sun Feb 12, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 342
Views: 22226

Re: Why go with an 80% stock / 20% bond portfolio?

I agree that we all have to be continually retooling and upgrading our skills. I do so at the age of 62. But if you believe that an employer would rather hire someone in his/her upper 50's, supposedly with all these life skills, than someone in his/her upper 20's, then I can only say that you are c...
by bayview
Sat Feb 11, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 342
Views: 22226

Re: Why go with an 80% stock / 20% bond portfolio?

I agree that we all have to be continually retooling and upgrading our skills. I do so at the age of 62. But if you believe that an employer would rather hire someone in his/her upper 50's, supposedly with all these life skills, than someone in his/her upper 20's, then I can only say that you are co...
by bayview
Tue Feb 07, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score: How low is too low?
Replies: 17
Views: 2176

Re: Credit Score: How low is too low?

As mentioned above, all you have to do is pay off your cards a day or two before the next statement drops. That way they will report with a $0 balance instead of reporting as maxed out. The credit reports aren't able to show that you pay off one balance before running up another, so they interpret a...
by bayview
Sun Feb 05, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: Costs of the TSP? is it self-sustained?
Replies: 33
Views: 3263

Re: Costs of the TSP? is it self-sustained?

This is what the web site says on the matter: Expenses are offset by the forfeitures of Agency Automatic (1%) Contributions of FERS employees who leave Federal service before they are vested, other forfeitures, and loan fees. Because these amounts are not sufficient to cover all of the TSP's expens...
by bayview
Sun Feb 05, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?
Replies: 87
Views: 8029

Re: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?

Just a comment: there are more considerations than pre- and post-retirement tax brackets when considering a Roth. Another is the RMDs. Even if you don't spend your RMDs from a traditional IRA or 401(k) type account, you still must withdraw X amount of money from a tax-sheltered account at a time whe...
by bayview
Tue Jan 03, 2017 6:29 am
Forum: Investing - Theory, News & General
Topic: How do you treat 401k Match for IRR Purposes?
Replies: 46
Views: 2305

Re: How do you treat 401k Match for IRR Purposes?

Tracking matches separately doesn't make sense to me. For instance, I max out my TSP, including catch-up. If another employee had the identical allocation but put in only enough to get the match, that match is a higher percentage of his/her contribution than mine. Does that mean that his/her portfol...
by bayview
Sun Jan 01, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: If you only have 20% in bonds...
Replies: 42
Views: 7215

Re: If you only have 20% in bonds...

I'm no longer "younger" (I wish), but we have all bonds in Treasuries, with a correspondingly higher allo to stocks, per Larry Swedroe's comments, in our risk portfolio (70/30.) In our much more conservative matching portfolio (25/75), I'm considering putting part of the fixed portion into...
by bayview
Sat Dec 31, 2016 4:49 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 213792

Re: What are you up YTD? [Year To Date]

Would rather posters skip the fake news so as not to confuse the inexperienced like myself who are still learning. Beardstown accounting is real and accepted if one states that method was used. The Ladies neglected to mention that in their accounting and that lead to all the fun and games. There is...
by bayview
Sat Dec 31, 2016 3:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 213792

Re: What are you up YTD? [Year To Date]

Still stubbornly using longinvest's https://www.bogleheads.org/wiki/Calculating_personal_returns , because it's consistent and makes sense, even though IRR gives a higher number. :D For newer members here, this method excludes contributions (and withdrawals), so it's returns, plain and simple. Trail...
by bayview
Thu Dec 29, 2016 8:39 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 18245

Re: frustrating to keep investing in international/EM

We have our international (not much, currently 20% of equities) in small-cap international, VFSVX (VSS for ETF.) It has shown an interesting (to me) pattern of zigging when US is zagging, and I don't know if that's because it's international or because it's small. I chose to go with it because of th...
by bayview
Thu Dec 29, 2016 6:57 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 8036

Re: How many of you invest 100% at Vanguard?

My TSP is at, well, TSP. :D Our rollover 401k's and Roths are at Vanguard. I don't have any temptation to spread them out among various brokerages. I will say that after some of the IT snafus at Vanguard, I now save + print out statements showing the number of shares in each account at Vanguard when...
by bayview
Fri Dec 23, 2016 10:14 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 192
Views: 49571

Re: [Why did my fund suddenly drop in value?]

Intermediate and Long Treasury funds did their distribution magic. Gave me quite a turn for a moment. :shock:
by bayview
Thu Dec 15, 2016 6:13 pm
Forum: Investing - Theory, News & General
Topic: "Twenty Ways To Tell If You're A Lousy Investor"
Replies: 57
Views: 6418

Re: "Twenty Ways To Tell If You're A Lousy Investor"

Good grief. I look at my portfolio every day, out of curiosity. Sort of the same way that I stroll around my yard on summer evenings, looking at my garden. I don't yank out my plants, move them, plant new ones, etc. We have five whole funds (all index or nearly so, in the case of Treasuries) in Vang...
by bayview
Sun Dec 11, 2016 12:00 am
Forum: Investing - Theory, News & General
Topic: VT expense ratio dropped?
Replies: 22
Views: 2892

Re: VT expense ratio dropped?

From the Vanguard page on VTWSX: 1 Apple Inc. 2 Alphabet Inc. 3 Microsoft Corp. 4 Exxon Mobil Corp. 5 Johnson & Johnson 6 Amazon.com Inc. 7 Facebook Inc. 8 Berkshire Hathaway Inc. 9 General Electric Co. 10 JPMorgan Chase & Co. Isn't anyone perturbed that the top 10 stocks are US? Fund total ...
by bayview
Sat Dec 10, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5883

Re: What am I missing w/this back-tested asset allocation?

The problem with back-testing is that there is no assurance that history will repeat itself. Unless you have a time machine, you have no idea if you will see the same results. I pick my (limited number of) funds by what I expect them to do for our investments. Part of that expectation is based on hi...
by bayview
Sat Dec 10, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: To Use Vanguard PAS Or Not
Replies: 11
Views: 1539

Re: To Use Vanguard PAS Or Not

This is just my short-term personal opinion regarding the need for the PAS as we have only used V-guard's service for 19 months. If your goal is to simplify your portfolio, you can do that yourself with due diligence and a few mouse clicks. (Well, in your case more than a few. Why so many funds?) F...

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